The IFISA, which lets UK investors hold peer-to-peer loans in a tax-free wrapper, is an ugly duckling nobody loves, according to Moneywise magazine. We disagree. We think the IFISA is only just beginning to show its true worth.

That startup you bought shares in: what does it do? More to the point, what claim do you have on revenue and assets, and will they last? How will they stand up against competition? When you're reading a prospectus, you need these things clear before you invest.